Category Archives: Debt Blog

A client called me about 2 months ago after being sued for $3100 in the Special Civil Part of Bergen County, NJ by a purchaser of delinquent debts called Portfolio Recovery Associates. Her original debt was with Dell Financial Services. It was a Dell “credit card” which could be used...

In May 2014, a client contacted me who has been sued for nearly $27,000 in the Law Division of Somerset County, NJ Superior Court by a collections law firm on an old Chase Bank N.A. credit card debt. The old debt (or as I call it, “zombie debt”) had been...

Hot off the presses, below is a passage from the June 30, 2014 opinion of the Hon. Kevin McNulty, United States District Court for the District of New Jersey. The case, captioned Daniel Bock Jr vs. Pressler & Pressler, Civ. No. 11-7593 (KM)(MCA), involved a defendant who was sued by Pressler...

I’d like to briefly discuss the “moral” implications of not paying your old debts. Often times, debt collectors use psychology to bully or persuade debtors to “settle up” because they spent & owe the money, and try to lay guilt on the debtor for being a “deadbeat,” etc. These collectors...

The NJ State Police Expungement Unit, located in at PO Box 7068 in West Trenton, NJ are REALLY slowing to a crawl lately with their processing of NJ expungements. First of all, they are asking the Courts for more time prior to the judge signing the Final Petition for Expungement....

You may have had a credit card several years ago that, at some point, stopped sending you bills and/or monthly statements. Perhaps one day, after months of consecutive non-payment, you received a statement showing a balance of 0 dollars and a paragraph stating that the credit card (Discover, Capital One,...

A client had retained me in late 2013 to defend her against three (3) lawsuits filed against her in Hudson County, NJ Special Civil Part by a collections firm in Eatontown NJ. Yesterday, 2 of the 3 cases against her were dismissed. The firm represents Capital One directly in its...

Hot off the presses, the New Jersey Appellate Division has at long last addressed the issue of what is required for a 3rd party debt buyer (“commonly called an “assignee”) to prove ownership of a debt in a Motion for Summary Judgment. This case is GREAT news for defendants who...

I get many calls each week from folks looking to Vacate a New Jersey Default Judgment. Often these calls come in shortly after one is served with an Information Subpeona from the original judgment creditor, or from a “new” creditor who has purchased the old judgment. Below is a helpful...

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